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ARTICLE · 07 DECEMBER 2025

Investing With A Self-Managed Super Fund (SMSF)

McCarthy Durie Lawyers
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The idea is that ordinary Australians can supercharge their retirement by leveraging into residential property through an SMSF.

AustraliaStrategy
Andrew Pye
Andrew Pye
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On 1 July 2025, the superannuation guarantee rate increased to 12% of every Australian worker's wage. In October 2025, Australian superannuation account balances reached a record high of $172,834 on average. The total superannuation held by Australians in October was estimated at $4.3 trillion.

With the increasing superannuation guarantee rate, more and more money is being held in superannuation, and clients are asking the question: 'Should I take control of my super by setting up a self-managed super fund to buy property?'

For years, this has been one of the most aggressively marketed retirement strategies in Australia. The idea is that ordinary Australians can supercharge their retirement by leveraging into residential property through an SMSF, and the pitch is seductive. With news stories of average home value increases and increased rental returns, the residential property market is seen to have delivered exceptional returns over the past ten years.

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